Ant Financial Services Group’s third-party credit rating company. Originating from Alipay Pay to support Alibaba, China’s largest e-commerce platform, it assigns individual credit scores, ranging from 350 to 950, using an undisclosed algorithm.High-scoring (600+) users enjoy small loans, as well as no-deposit hotel check-in, car rental and bike-sharing, among other conveniences. Approved in 2015 by PBoC, Sesame Credit is one of eight agencies licenced to evaluate individual credit, and is also piloting ways for building a more comprehensive national social credit system.